Also, if you don't qualify for premier VOYAGE, you earn more miles per dollar on local spend with the Citi Prestige. Online Shopping (Clothes, Shoes, Bags) HSBC Revolution – 2 mpd; OCBC Titanium Rewards – 4 mpd (Capped at S$1,000 per statement period) Citi Rewards – 4 mpd; UOB Preferred Platinum Visa – 4 mpd (Capped at S$1,000 per calendar month) We identify these exclusions below. 2/ Please note that payments made after 7pm each day will be processed the following working day. However, the guides and tools we create are based on objective and independent analysis so that they can help everyone make financial decisions with confidence. The OCBC VOYAGE card can get cash rebate of up to 2.2% based on the same calculation method. Citi PremierMiles Card Get 18,000 Citi Miles * Earn 2 Citi Miles with every S$1 spent overseas; S$1 = 1.2 Citi Miles on local spend (no minimum spend) Earn up to 10 Citi Miles per S$1 spent on online travel bookings; Citi Miles never expire Is one card better than the other? OCBC Voyage Card is great for consumers seeking a flexible card that maximises miles. Citibank's New Prestige Card 334Likes. Promotion ends on 31 March 2021. Both cards are pretty similar in that they allow you to effectively buy miles from the annual fee, and have unlimited lounge access (but Voyage works with Plaza Premium whereas Prestige works with Priority Pass, which has more lounges and includes some Plaza Premium lounges as well). HSBC Visa Infinite Card. Cardholders who spend more time locally are less likely to benefit, but frequent travellers earn quickly while enjoying free travel insurance, unlimited lounge access, hotel nights and more. Consumers can still enjoy free travel insurance and 2 free lounge visits per year, making Citi PMV Card great for average spenders who want perks. Consider this if you want special travel perks like free hotel nights and unlimited lounge access. Consumers are most likely to benefit from OCBC Voyage Card if they spend most of their budget locally, with at least 25% of local spend on dining. Benefits: Citi Prestige Accumulating miles: Voyage. Citi has the added benefit of the JetQuay and 4th night free going for it, since the limo benefit is far better on Voyage. OCBC Voyage – 2.3 mpd; Citi Prestige – 2 mpd; Go to the Top. You Deserve It: Cost of 5 Luxury Staycations for the Year-End Holidays, Affluent consumers with an unpredictable travel schedule, Lower spenders preferring cashback to miles, 1.2 miles per S$1 local general, 1.6 local dining, 15,000 annual bonus renewal miles (worth S$150), Unlimited lounge access, free travel insurance, limo transfers, golfing privileges & more, Access to limo transfers requires S$3,000 minimum spend, Earn 3 voyage miles per S$1 spend overseas ans 2.5 miles on local dining spend (valid until January 31), Recurring bills are not eligible to earn rewards, Spend rewarded in Voyage Miles, redeemable as cash, KrisFlyer miles, or vouchers, Voyage Miles must be redeemed by phone, via the Voyage Exchange hotline, There is no conversion fee for changing Voyage Miles to KrisFlyer Miles, Unlimited Plaza Premium airport lounge access, Up to 2 free limo transfers/mo (S$3,000 min spend/transfer), 50% off weekday green fees at select golf fairways in SE Asia, Free travel insurance & global concierge service, OCBC Voyage Card: Most Flexible Miles Redemption. ValuePenguin is not in control of, or in any way affiliated with, the content displayed on this website. Terms and conditions. While perks are limited to travel insurance and airport transfers, consumers who spend S$50,000/year are exempt from the S$256.8 fee and earn 20,000 bonus miles. OCBC Voyage Card also offers 1.6 miles per S$1 on local dining however, which is great for less frequent travellers. None. Affluent travellers seeking luxury perks might consider Citi Prestige MasterCard, which offers 1.3 miles per S$1 local spend, 2 miles overseas–higher than those offered by OCBC Voyage Card. Our site may not feature every company or financial product available on the market. What the difference between perpetual endowment and saving plan? Prestige has same local earning as Voyage but “only” 2.0 overseas. The miles you earn can be easily redeemed with no black-out dates and minimal processing time. OCBC 90°N Card. What is the key difference between the AMEX Personal card and the Platinum card? So in the end, they are both unique in their own ways. If I where you and you haven’t signed up, hold it off for the time being until leisure travels picks up again. With the current pandemic and travel restrictions negates most of the benefits of any mid-tier cards (ie. If your travel schedule is somewhat unpredictable, OCBC Voyage Card offers the flexibility you need with easy mile redemption and high rates both overseas and at home. Citi Prestige Card . ","version":"sidebar"}, RealValue Credit Cards Rewards Calculator, Effective Interest vs Annual Interest Rate, Best Insurance Companies for COVID-19 Coverage, How to Pick the Best Critical Illness Insurance, Best P2P Crowdfunding Investment Platforms, Average Interest Rate for Savings Accounts, Average Interest Rate of SGD Fixed Deposits, How to Get the Best Loan for Your Small Business, Business Loans for Startups & SMEs: How to Apply, Best Credit Card 1 for 1 Buffet Promotions, Best Credit Cards for TransitLink SimplyGo, How to Use a Credit Card: Best Practices Explained, Everything You Need to Know To Optimise Points Redemption, Guide to the Risks of Credit Card Churning, Understanding Credit Card APRs & Interest Rates, Repercussions of a Late Payment on Your Credit Card, Credit Card Minimum Payment: What You Need To Know, Understanding Credit Cards' Minimum Spend Requirements, A Basic Guide to Supplementary Credit Cards, Everything to Know about Foreign Transaction Fees. $488. A world of unforgettable experiences awaits. What are the pros and cons of each card? POSB Everyday vs Citi Cash Back vs OCBC 365: Find out which credit card fares the best in helping you milk every dollar as you spend on essentials. Make the 360 Account your first OCBC account Get a S$100 FairPrice e-Voucher when you open a 360 Account online as your first OCBC account. Actual figures may differ or vary depending on actual circumstances. The Citi Ultima Visa Infinite is the second most expensive credit card in Singapore today with an annual fee clocking in at over S$4,000 per year. Best Plaza Premium Lounge Access Credit Cards In Malaysia . Which one give better return? She attended Duke University and Penn State University, graduating with a degree in Political Science and Government. Credit card : Key benefits: DBS Altitude: $1 = 3 miles on online flight & hotel transactions (capped at $5,000 per month) $1 = 2 miles on overseas spend (in foreign currency) $1 = 1.2 miles on local spend Earn up to 10 miles per $1 spent on Agoda, Expedia, and Kaligo: In addition, cardholders receive 15,000 bonus miles (worth S$150) every year, which offsets the cost. $535. Consumers who prioritise luxury benefits and mile rewards might instead consider Citi Prestige MasterCard. I have both but I think I will cancel VOYAGE if I only want one premium card. ... OCBC debit cards. Which card gives me the best miles rates? Benefits: Citi Prestige Accumulating miles: Voyage The current sign-up bonus for the OCBC Voyage Visa card is one of the following options: 15,000 miles for a $488 annual fee (3.25 cents/mile); 150,000 miles for a $3,210 annual fee (2.14 cents/mile); For the 150,000 miles sign-up option, the entire bonus must be converted to KrisFlyer miles (you cannot hold them as Voyage Miles, see below).. Fun fact: The OCBC Voyage card previously … UOB PRVI Miles Card is great for above average spenders looking to maximise earnings, while optimising with most travel cards requires higher spend. There is a S$535 fee, but cardholders receive 25,000 annual renewal miles (worth S$250) which actually offsets the cost to lower than OCBC Voyage Card’s. For travellers seeking both perks and flexibility, OCBC Voyage Card is worth considering. It’s also worth mentioning that, as with many travel cards, high spend is most likely to maximise rewards. You’ll get VIP airport lounge access and a free limo service when you spend more than $3,000 in a month. Complimentary airport limo with $20K spend per quarter Fourth night free on any hotel booking GHA Black hotel elite status. If you could, take both. Earn 2.1 air miles or 2.1 Travel$ (3.00% cash rebate) per $1 spend in foreign currency. Which one is better for risk adverse at the age of 20, planning to contribute monthly/yearly and take out around 55 to 60? Or maybe you're asking yourself if you really need to upgrade to standalone travel insurance. Apply Now. Their earn rates are quite comparable as well. Cardholders earn 1.4 miles per S$1 local spend, 2.4 overseas, and 10 with major airlines and hotels. Consider this if you want the ability to redeem your miles whenever you want, without blackout dates. The OCBC Premier VOYAGE Card is designed with frequent flyers in mind. Elijah Lee, Independent Financial Advisor at Phillip Securities (Jurong East). Airport lounges are restricted waiting areas in an airport with comfortable seats, business facilities, and perhaps most importantly, complimentary food … We'll help you make informed decisions on everything from choosing a job to saving on your family activities. Read our comparisons of OCBC Voyage Card with other cards and learn what makes each card unique in their own way. Which card takes second place depends on what your overall local/overseas spending ratio is. ... Credit cards with lounge access include the American Express Singapore Airlines KrisFlyer Ascend Credit Card and the OCBC Voyage Card. For example, the Citi Prestige gives you the 4th night free on hotel stays, which can potentially help to pay for the annual fee. Her work has been featured on a variety of major media such as Yahoo Finance, Asia One, Buro, Zuu Online and more. Indulge in exceptional travel and hotel rewards with the Citi Prestige ® Card, one of Citi's ThankYou ® rewards credit cards designed for avid travelers. However, this does not affect our recommendations or advice, which are grounded in thousands of hours of research. Those spending S$8,000+/month, however, may earn similar or greater return value with OCBC Voyage Card than with many cashback alternatives, while also enjoying the travel perks. How Affordable Is a Vegan Lifestyle in Singapore? Overall, OCBC Voyage Card is excellent for those seeking both flexible miles & luxury perks. I'm considering between the Citi PremierMiles Visa card, OCBC 90N and DBS Altitude card, which should I get? Guide to Redeeming Miles Credit Card Rewards, Understanding Caps on Monthly Rewards Earnings, Common Credit Card Transactions Excluded from Earning Rewards, ValueChampion Launches RealValue, an Objective Credit Card Rewards Calculator. The next best is Citi Prestige where you get a free ride with $1500 spent in foreign currency within a quarter. Credit card travel insurance vs standalone travel insurance. Therefore, we strongly advise you to make your payment in advance. Advertiser Disclosure: ValueChampion is a free source of information and tools for consumers. Use our quick and easy-to-read guide below to learn how you you can redeem card rewards. Find the latest information on which deposit accounts offer the highest interest rates and strongest promotional offers in Singapore. The former one is a good choice for collecting Asia Miles with the earning ratio of HK$8=1 mile with no mileage conversion fee while the latter one offers many travel perks including up … DBS Altitude vs Citi PremierMiles vs OCBC 90N. Consider this if you travel overseas frequently for business or shopping. Consumers earn 2.3 miles per S$1 spend overseas and 1.2 miles on general local spend, which aligns with similar cards. Average consumers seeking miles for spend might consider Citi PremierMiles Visa Card, which offers 1.2 miles per S$1 local spend, 2 miles overseas. For that, you get Diamond with Hilton Honors which is a notch higher than the “standard” Visa Infinite cards. 120k credit cards) at the moment. If you purely go for accumulating miles, OCBC Voyage has a higher earning rate, 1.3 mpd (local) / 2.3 (overseas). While these rates are lower than those offered by OCBC Voyage Card, Citi PMV Card’s fee is just S$196.2 and comes with 10,000 annual renewal miles (worth S$100), which makes the card more affordable. Cardholders who spend more time locally are less likely to benefit, but frequent travellers earn quickly while enjoying free travel insurance, unlimited lounge access, hotel nights and more. Some credit card expenditures are ineligible for earning rewards. And, above it all, OCBC Voyage Card comes with unlimited lounge access, limo transfers, golfing privileges & more. ValueChampion Asks Budget Babe: What Personal Finance Lessons Can We Learn From 2020? The site does not review or include all companies or all available products. I haven't recieve the new citi card but bro the voyage card feels like a … The OCBC VOYAGE allows you to redeem VOYAGE miles for any cabin on any flight at a fixed cash value. ValueChampion is not to be construed as in any way engaging or being involved in the distribution or sale of any financial product or assuming any risk or undertaking any liability in respect of any financial product. Citi PremierMiles Card and Citi Rewards Card are the signature cards for Citibank. Ever wonder what the difference is between the complimentary travel insurance offered with your credit card and conventional standalone travel insurance? Summary: In between these two cards. Great for consumers you ’ ll get VIP airport lounge access Credit cards: which is to... 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